--- title: "Certificate of Insurance for a Government Agency" description: "Get a certificate of insurance for a government agency: Spot checks the contract’s insurance terms and endorsements, then you generate the certificate in the Spot app." canonical: "https://spot.insure/certificate-of-insurance/government-agency" page-type: "product" entities: ["Spot"] entity: "Spot" page-role: "product" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/certificate-of-insurance/government-agency) ## Agent Guide **What this page is:** Get a certificate of insurance for a government agency: Spot checks the contract’s insurance terms and endorsements, then you generate the certificate in the Spot app. **Limits (do not over-claim):** - Describes Spot's own service; it does not establish coverage terms or outcomes for any company. **Related pages:** - [Spot home](https://spot.insure/) — product overview - [Sitemap](https://spot.insure/sitemap) — inventory of all public pages # Send a government agency the certificate its contract requires Generate the agency’s certificate in the Spot app, and your Spot team gets the endorsements its contract specifies onto your policies first. - The agency’s insurance specifications read for you - Endorsements the agency names requested through your broker - Keep your broker or switch, with no commissions on premiums [Get Started](https://app.spot.insure/signup?intent=certificates&coverage=general-liability) ## How it works - **Send the contract’s insurance terms.** Upload the insurance specifications, the contract or the agency’s certificate instructions. Your Spot team lists every coverage and endorsement they name. - **Get the policy wording right.** Agencies often specify who must be added and how. We work with your broker and insurer to add that wording to your policies. - **Generate the certificate.** Create it in the Spot app with the agency’s exact name as certificate holder and the contract number in the description. - **Keep the file current.** Agencies track certificates through the life of a contract. Your renewed policies are in your Spot workspace when the next one is due. ## What your certificate needs to show - **General liability.** For injury or property damage arising from your work under the contract. - **The agency and its people as additional insureds.** Often the agency, its officials, employees and volunteers, in the words the contract uses. - **Auto and workers’ compensation.** Auto liability for vehicles used on the contract, and workers’ comp as your state requires it. - **Professional liability.** For consulting, design, engineering or technology contracts, cover for claims that your work caused a loss. - **Contract details on the certificate.** The contract or solicitation number and a short description of the work. ## Endorsements to check - **Additional insured.** Extends your liability policy to the agency and the people it names, for claims arising from your work. Some agencies ask for a copy of the endorsement along with the certificate. - **Waiver of subrogation.** Your insurer agrees not to pursue the agency to recover what it pays on a claim. It has to be endorsed on each policy the contract lists. - **Primary and non-contributory.** Your policy responds before the agency’s own coverage or self-insurance, without asking it to share. Your Spot team gets it endorsed through your broker and insurer. ## Generate your certificate in Spot - **Pick the policies the contract lists.** Choose each policy the specifications name from your Spot workspace. - **Name the agency as certificate holder.** Use the agency name and the address in the certificate instructions, which may differ from the office you work with. - **Upload the specifications.** Attach the insurance specifications, and add the contract number and description of work. - **Review, then submit.** Check the additional insured wording, limits and dates against the specifications, then download the certificate or send it to the contracting office. ## Mistakes to avoid - **Leaving out officials and employees.** Many agencies want their officials, employees and volunteers covered too. A certificate that names only the agency can be sent back. - **Expecting bonds on the certificate.** Performance and payment bonds aren’t insurance and don’t appear on a liability certificate. The surety issues the bond itself. - **Using the wrong agency address.** Send certificates where the contract says, often a risk management or contracts office, not the program team you work with. [Generate a COI in Spot](https://app.spot.insure) ## Coverage - [General liability](https://spot.insure/insurance/general-liability) - [Commercial auto](https://spot.insure/insurance/commercial-auto) - [Workers’ compensation](https://spot.insure/insurance/workers-compensation) - [Professional errors and omissions (E&O)](https://spot.insure/insurance/professional-errors-omissions) - [Umbrella and excess liability](https://spot.insure/insurance/umbrella-excess) - [Surety bonds](https://spot.insure/insurance/surety-bonds) ## Common questions ### Can I generate the agency’s certificate in Spot? Yes. You create it in the Spot app from your policies. If the agency also wants endorsement copies, your Spot team gets them from your broker. ### Does the certificate add the agency to my policy? No. A certificate describes your policies and adds nobody to them. The agency becomes an additional insured through an endorsement, which your Spot team requests through your broker and insurer. ### Where do bonds fit in? A bond guarantees your obligation to the agency and is issued by a surety, separately from your insurance. Spot helps you prepare for the surety when the contract needs one. ### Do I have to use Spot’s brokers? No. Spot works with your current broker, takes no commissions on premiums and can introduce another if you want one. ## More - [Certificates of insurance](https://spot.insure/certificate-of-insurance) ## Agent and Developer Resources - [Markdown page](https://spot.insure/certificate-of-insurance/government-agency.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)